• Universal Banker - Attleboro Office

    Job Location US-MA-Attleboro
    Job ID
    2018-2288
    Position Type
    Full Time Non Exempt Full-Time
    Department
    Attleboro Office [002506]
  • Overview

    Universal Bankers service customers in a dual role involving Customer Service and Teller functions as business needs dictate. The Universal Banker position requires in depth technical, product, and policy knowledge in order to capably assist customers.

     

    Position requires a minimum of 40% of scheduled time working on Platform in Customer Service

     

    This position may be asked to work in different branch locations based off staffing needs

     

    Universal Bankers are required to successfully attend Universal Training and become certified to assist customers with all lines of business the bank offers including Business Banking, IRAs, and all Lending product lines

     

    Responsibilities

    Consistently meet monthly performance goals assigned

     

    Consistently adheres to service standards established in the Customer Service Playbook

     

    Attend staff meetings regularly and work overtime as needed.

     

    Provides support for all functions associated with the Teller positon, including:

    • Receives checks and cash for deposit, verifies amount, ensures customer has account and examines checks for endorsement.  Makes the decision to pay the check within preset dollar limits and HarborOne policies and procedures.
    • Accepts customer loan, mortgage and safe deposit box payments.  Posts appropriate payment type (principle vs interest payments).
      Issues money orders, Treasurer's checks, handles coin machine slips and assesses appropriate fee.
    • Orders daily supply of cash from the vault ensuring drawer is maintained within set cash limits. Counts incoming cash for accuracy.
    • Scans work daily.
    • Balances by counting currency, coin, and checks in cash drawer and verifying to computer totals.
    • Refer products to existing and new members to assist with branch and individual goals.
    • Maintain teller balancing record in compliance with HarborOne Bank standards.
    • Perform all duties professionally and within the Bank's standards, including maintaining customer confidentiality.

     

    Provides support for all functions associated with Customer Service, including:

     

    • Identify and match customer product needs with HarborOne Bank products and services by using the HarborOne Sales Navigator to interview customers and discover financial needs.
    • Process all new accounts accurately and efficiently in accordance with regulatory and internal control standards.
    • Conduct appropriate follow up and onboarding activities.
    • Actively participate in all sales campaigns.
    • Maintain a thorough understanding of consumer loan products and appropriate procedures for loan applications.  Discuss loan product options with customer, prequalify, and prepare appropriate loan documents including denials. May be required to request and analyze credit reports. 
    • Complete appropriate paperwork to disburse the loan to the customer.
    • Maintain a thorough knowledge of home equity and mortgage products. 
    • Assist customers with the completion of a home equity application. 
    • Disburse/ closing home equity loans ensuring all proper documentation is complete and accurate.
    • Maintain a thorough knowledge of business banking products including deposit, lending, cash management, and online banking.

     

    SECONDARY DUTIES:

    Answer the phone, general filing, and any other duties as assigned

     

    COMPLIANCE: Maintain an excellent understanding of all applicable regulations and laws relating to day to day duties including but not limited to; Bank Secrecy Act; Privacy; Fair Lending and Regulation E.

     

    Expected to be up to date on all requirements for annual compliance testing requirements. Must be knowledgeable and able to effectively apply this knowledge for day to day activities and responsibilities.

     

    Qualifications

    EDUCATION and/or EXPERIENCE

    High school diploma or general education degree (GED); Bachelor’s degree from a four-year college or university preferred.  At least 1 year of business or retail experience. Prior experience working in a banking environment is preferred.

     

    Proven ability to consistently demonstrate commitment to creating an exceptional customer experience. Demonstrated enthusiasm with established verbal communication skills to engage customers and encourage meaningful conversations. Must be able to pro-actively engage customers in conversations to identify opportunities, broaden relationships and provide solutions. Ability to respond to present needs as well as anticipate future needs of clients and service accordingly.

     

    Ability to multi-task and master competencies in all areas of financial advice including managing money, borrowing money, and investing money. Must be able to self-manage, work independently, and be flexible. Maintain technical and operational proficiency in all aspects of customer engagement including account opening, loan applications, servicing, small business, new technologies, and on-boarding.

     

    Must be able to work in a team environment and contribute as an individual – demonstrating the ability to support others in the achievement of common goals, as well as self-managing to individual expectations.  Prior track record of successful attainment of goals in customer experience and/or business development in prior roles and work experiences.

     

    Working knowledge of Microsoft Office products. Ability to master job specific software and hardware applications.

     

    Must be able to successfully complete required training classes.

     

    OTHER SKILLS AND ABILITIES

    Basic typing and keyboard skills. Maintain a good understanding of COCC & Insight system.

     

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